Fendy v NatWest - 16K - **FINALLY WON**

[hedgey06]

Awwww Fendy, big kiss and hug for you - and extra big one for your lovely mum too. I'm so sorry sweetie. xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

[Parkvale]

Fends, i know this is a bit morbid, but it helps you to understand what life is all about..

I spent 10 years covering the M62 and A1 and saw peeps lose their lives for nothing, and also saw incredible miracles. Where you wouldn't have believed what peeps escaped from. Every life is precious, Whether its the cat's or or a human life it hurts like sh**, and only time heals the wound.

[fendyweather]

Thanks Hedgey, and I know what ya mean Parky. Theres just no rhyme and reason to why and when for anybody really. But Im such a funny sort of gal, that Im always looking deeper into the reasons for everything, instead of just accepting them.................. And I know for somebodys poor child or husband or father to be killed in terrible accidents, is way way way higher on the scale of injustice than my mums poor iccle sick kitty kat, but why cant we decide what to let hurt us and what not. I didnt want to be a wuss over this kitty thing I really didnt. I kind of felt proud mum had asked me to do it because it means she trusted me to be able to take kitty to vets and comfort kitty enough to see it through to the end, but in the end I kind of let her down really, cos I just blubbed like a pathetic thing on a wet weekend, and am still doing so. Im trying to do my fllipping contractual spreadsheet and I just cant concentrate. Keep thinking of kitty laying in my cardigan on vets table, little eyes pleading up at me, and me not being able to do anything to take away kittys pain. Im such a pathetic person I know, but I just cant get that picture of out my head. I just cant stop crying. How utterly ridiculous am I............ and Im so sorry other peepies out there who have lost somebody or a pet recently, I really am so sorry, I know this kitty doesnt compare in any way whatosever to those who have lost actual people, I do know that, but I just cant make the hurt and the tears go away................. I know Im sure I will feel better next week, but the image is in my head, and I cant get it out, I just feel so awful that I couldnt make kitty feel better at the end................ xxx She really was such a sweet little cat.............. (And heres me, whose not really close to puddy tats). xxxxxx I hate emotional pain. it just hurts too much. I know it will go away, I do know it will but in the meantime, I just want to feel better again and want my mum to feel better again. Rambling again. Im so sorry everybody, I really am.................. And Parky, my pain wont compare anywhere near to what you must have seen over the years, you poor poor man. xxxx I wouldnt be able to sleep at night........xxx

[Parkvale]

The point is you do get over it , but it hurts like sh**. Be strong especially for your mum and get your flipping contractual interest soted out. Just trying to brighten the day up a little. Your do at Manchester are you inviting the uber paralegal ?

[fendyweather]

I dont think the uber paralegal would want to celebrate with us, ...........................Soz Parky. Tryin not to be maudlin............... getting there.........xxxxx

[Parkvale]

She might be out of a job by July and looking for some friends. I'm sure you would welcome her with open arms. . Trying me bestes to cheer yoos upee.

[Jetspark]

Hi Fendy, Sorry to hear what you've (and ur family) have been thru today, its heartbreaking, its happened to me a couple of times and each time is as bad as the last. Know what ur going thru xx take care Sparkie

[fendyweather]

Thanks soooooooo much meee virtual buddies................. its nice to know somebody else has been through it and come out the other side intact................I know Im so so so so so so so so so so pathetic.................... compared to other peoples real human grief/pain about the loss of actual people.

 

And Im so sorry for being an utter wuss of the absolute loch ness monster proportions, so Im shutting up about it now, and trying to get my head around the contractual still Parky..................... did u do contractual ??? Ive ended up doing my own simpler spreadsheet, that shows 8% stat, as opposed to contractual, ie the two side by side, so i can see the difference between the two, but I could do with somebody, i.e. ultra uber experienced to check over the spready for me to see if my formula calculations on the spready are right........... I think they are but because my maths is ultra crap,, then I would prefer a super uber mathematical brain to tell me, ITS RIGHT, as opposed to wrong............ Im trying to think happy thoughts about kitty running through cornfields with my much missed.............Daddeeeeee, yaaaaaaaaaaaay, its helping............xxxxx

[Parkvale]

I don't know if you spotted a posting i did a while back about how i calculated my interest with this: Calculator It was dead easy, but a bit slow.

[archer_66]

fendy i used the calculator on the "other" site before id heard of this one,its for 8% and its really easy!

[overflow]

hi

Just a quick question for anyone that can help me. Im asking this on behalf of my daughter. Shes doing spreadsheet but on her statements there is an unarranged borrowing fee also service charge ,which she thinks is because she has Advantage Gold Acct. Now I dont think she can claim for service charge, but not certain. Also does the unnaranged fee go down in the charges or the interest as she also pays interest.

Thanks anyone in anticipation.

 

regards

[overflow]

Hi again

sorry tobe a pain but have just been gioing through some threads and came across a stick that answered my questions to the letter so once again sorry to post an obviously unwarrented question.:o

[WendyB]

Hi Fendy

 

thought this might help. A vet gave it to me years ago when I had to have one of my Siamese put to sleep......

 

Wendy xx

 

Just this side of heaven is a place called Rainbow Bridge.

 

When an animal dies that has been especially close to someone here, that pet goes to Rainbow Bridge.

There are meadows and hills for all of our special friends so they can run and play together.

There is plenty of food, water and sunshine, and our friends are warm and comfortable.

 

All the animals who had been ill and old are restored to health and vigor; those who were hurt or maimed are made whole and strong again, just as we remember them in our dreams of days and times gone by.

The animals are happy and content, except for one small thing; they each miss someone very special to them, who had to be left behind.

 

They all run and play together, but the day comes when one suddenly stops and looks into the distance. His bright eyes are intent; His eager body quivers. Suddenly he begins to run from the group, flying over the green grass, his legs carrying him faster and faster.

 

You have been spotted, and when you and your special friend finally meet, you cling together in joyous reunion, never to be parted again. The happy kisses rain upon your face; your hands again caress the beloved head, and you look once more into the trusting eyes of your pet, so long gone from your life but never absent from your heart.

 

Then you cross Rainbow Bridge together....

 

Author unknown...

[Parkvale]

How nice.

[fendyweather]

Aaaaaaaaaaaw ta lovely peepies, ta...................... As I said, I know Im a wussy of monstrous proportions but I just had a poopy day.......... I know I will be fine in a couple of days, but it helps to have a good ol bawl and get it out of your system I find............. Eyes dont look too pretty just now, but Im ok..................... Thanks all so much for being such nice peepies........................... I know theres way worse going on in the world, but its nice to know peeps care. It really is. Thanks................. Fendy xxxx

 

Gonna lounge around for rest of day feeling sorry for maself that way I might be ok for work tomoz.................... my mums ok, I just phoned her, shes just got in from work, and my iccle sis has buried the kitty at the bottom of the garden, so shes never far away................ thanks a billion my virtual buddies.......................... xxxx

[fendyweather]

Is compound interest the same as contractual ???? If not, why not ???

[nuddy]

Fendy, good going - but how many times have you told us all to keep going? Don't lose faith girl, keep it going you will get your money!

 

All the best

[fendyweather]

Just a quickie. Finally decided to shake myself up and stop being wimpy.................. but have decided, that like it or not Im not up to handling contractual, at least not yet. I have to learn to walk before I can run................ and because its hard doing the contractual when you dont have all the information to hand, i.e. on the Capital One cards, I have had copies of all charges, nothing to show each months rate of purchase interest, so I would be out of my depth and stabbing in the dark. So for Capital One have decided to KISS (keep it simple stupid) and stick to basic 8% spready...................... obviously at prelim only asking for charges. So banging those two claims off tomorrow recorded to Capital One. One for me and one for hubby. See, throwing yourself into work helps take your mind of expired kitties......................... Im so trying............................... thanks for all your help anyway peepies, but if I try to do something Im really not up to right now then I will only land myself in hot water and I dont wanna delay any longer on getting the Capital One stuff started................ Ive got HSBC(Midland), Abbey Number 2, Natwest Number 2, Yorkshire Bank over 20 years, and several store cards to start on, so will deffo have got my head round contractual for the next round of the bank claims, but for credit cards Im sticking to 8%. Its soooooooooooooooo much easier when your brains a bit grief stricken. Thanks peepies, and thanks Parky for the interest calculator but I still cant use it cost each month it seems the interest has been different and dont know how to work out an average without shooting myself in the feet. several times no doubt..............xxx

[Parkvale]

Just work out each charge individually. Using the different interest rate. Compound interest is interest computed on the sum of an original principal and accrued interest.

Contractual interest is relating to, or constituting a contract . So compound interest is how the banks charge you,and contractual interest is the actual % rate you are charged. So using that table put in each charge. What rate they charged you above base and the date of the charge, and Hey Presto . the full amount. Put the daily charge rate.Calculator

 

[overflow]

hi

just wanted to say what a lovely piece. Ive lost furry friends too over the years and people who were very special to me . One very very special,my hubby.

These words brought tears to my eyes and I can hardly see to type.

I like to think that they all walk by our side still , we sometimes feel their presence, we just cant see them physically, but we can if we look into our hearts and remember not just the good times but the not so good as well .Its all part of our memories and they never die.

 

 

regards

[fendyweather]

Aaaaaaaaaaaaaw, Im sorry. I seem to have dredged up painful memories for peepies today. Im so sorry. That wasnt the intention, but you all know me sooooooooooo well by now. If somethings in my head affecting me, it has to come out. No hiding it................... cos I cant start to feel better till it comes out. Overflow, see I told ya all, my mums kitty fading out today is insignificant compared to the losses of people that a lot of peeps have had to bear. Im so sorry once again for being such a wuss over something that for animals is a very natural process.................... Overflow youve just put things in perspective for me. Thanks. I needed a kick up the bottom to stop me feeling sorry for myself................ My mums taken it better than me actually,,,,,,,,,,,, she just keeps saying it was the kindest thing to do to put her down, which I know it was, but it doesnt stop it hurting does it................ Thanks for the input overflow. Youve made me realise that animals can never come close to the loss of the lovely peepies........... Ever. xxxx Thanks for the wake up call.

 

Fendy xxxx

 

Parky, quote: "Just work out each charge individually. Using the different interest rate. Compound interest is interest computed on the sum of an original principal and accrued interest.

Contractual interest is relating to, or constituting a contract . So compound interest is how the banks charge you,and contractual interest is the actual % rate you are charged" unquote................. this is the problem mate. I dont have a month by month purchase interest rate. Capital One very kindly left those individual monthly interest rates off the print out they sent me and I know the rates fluctuated over 6 years, so I cant do the compound contractual because I dont have the interest rate information that I need to be able to calculate it, and I dont wanna waste any more time in delaying my claim. Like I said, once Im feeling more clued up on the contractual side, I will be more than happy to go for contractual, but I dont want to feel pressured into doing contractual when I know I dont know enough about it yet. Im still such a novice on all this despite 65,000 posts on the thread. Honest. Im not thick either, but my skills lie in English and Languages, not maths. And I would hate to fluff up all because of my own stupidity and lack of understanding of contractual. I dont think it benefits anybody to go into this claiming thingy only half knowing what you are supposed to be doing. I think it would be very foolhard of me to try and do contractual when I REALLY CANT GET MY HEAD AROUND IT AT ALL. I just cant. Call me thick, call me stupid, call me whatever ya like, but why pretend I get it, when I just dont..................... will have to do way more reading on it before the penny drops. So will ensure that for next round of bank claims, my head knows how to do it. For now though sticking to 8% stat, cos its what I know best. And imagine if I tried to do contractual, got it wrong, claimed through court, got claim thrown out cos of wrong calculations, then I would be a laughing stock on CAG and minus my basic charges back, so no good for anybody to lose these cases by their own stupidity. So as I said, Im sticking to 8% for this Capital One claim anyway, because I know could spend another week on contractual Compounded and still not get it. What I would need is to produce my spreadsheet and for smebody else to do the contractual for me, which is no good. Not fair to expect anybody else to do the contractual for me. If I cant do it myself then I wont bother. Lol xxxxx Feeling a bit better already bout kitty because my mum is handling it sooooooooooo well, bless her................... Fendy xxx

[Parkvale]

SKILLS IN ENGLISH ! Fendy !!!!!!!!!!!!!!!!!!!!!!!!

Bless you . Look after your mum. Tell her Parkie sends his condolences.

[overflow]

hi Fendy

just wonderin if this will help. I tried the other one for bank accounts and it was brill this ones for cc's. If it does , great if it doesnt ooopps sorry.

Re: Excel Contractual Interest Spreadsheet

[overflow]

meant to say look near the end of the thread

[fendyweather]

Lol Lol. Parky I know my English is not proper english, I have a language all of my own I know, but what I mean was I passed my O level with an A, and I got french too, and I seem to excel at anything wordy, but maths, nope, never have, never will......................... But what I meant to say was, I do know proper English, lol, just dont use it much, prefer yorkshire binty speak instead. Lol. Its more me than anything else..............xxxx

 

Overflow, I have tried everything I really have, but whats the point in keep trying when I cant get it. I just cant........... Fendy xxx